Santa Maria, CA · Charter 12508
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | 0.69% | 0.36% | 0.22% | 0.31% | -71 bps | |
| Return on Equity | 10.92% | 7.35% | 3.83% | 2.35% | 3.27% | -765 bps | |
| Net Interest Margin | 4.96% | 5.13% | 5.23% | 5.26% | 5.43% | +47 bps | |
| Efficiency Ratio | 82.35% | 82.40% | 89.80% | 96.04% | 94.43% | +1,208 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.09% | -3.65% | -2.70% | -1.12% | -2.53% | +456 bps | |
| Loan Growth (YoY) | -10.65% | -4.49% | -1.03% | 12.39% | -0.55% | +1,010 bps | |
| Share Growth (YoY) | -8.52% | -4.44% | -0.32% | -1.51% | -2.79% | +574 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.51% | 0.07% | 0.06% | 0.21% | -42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 1.06% | 0.90% | 0.87% | 0.91% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.38% | 9.44% | 9.49% | 9.22% | 9.62% | +24 bps | |
| Net Worth / Assets | 9.38% | 9.44% | 9.49% | 9.22% | 9.62% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.66% | 75.64% | 71.18% | 72.45% | 72.29% | +163 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |